It’s easy to assume that once you sign up for home insurance, everything about your home is covered. Unfortunately, that’s not the case. It’s important to know what home insurance will and won’t cover and whether you need extra coverage to protect everything about your home.
Here are a few common things that home insurance won’t cover.


If you’re purchasing a house in a high-risk area for floods, you are required to get flood insurance to go along with your home insurance policy. The danger is if you’re not in a normally high-risk area for floods. Those home insurance policies don’t cover floods and while the area might not be high-risk for floods, it only takes one bad storm to change everything.

Home Business

This is easy to mix up. If your business is based out of your home, you’d imagine it’s all protected. That’s not the case. It just protects personal liability, so if your business is ever sued, you won’t be covered. You need separate business liability insurance to cover those potential dangers. Since you do have a home business, it might be possible to bundle this along with your home insurance plan.

High-Risk Dog Breed Injuries

We all love our pets, but sometimes they can be a risk as far as insurance coverages go. Insurance companies sometimes have a list of “high-risk” dog breeds and any injuries are damages that happen from this breed are not part of your personal liability of your homeowners insurance. Make sure to check out the breed of your dog with your insurance agent and get appropriate coverage.

Make sure you’re fully aware of what you need protected in your home. Give Fleming & Files Insurance a call today at (229) 436-3408 for more information on Albany, GA home insurance.